农户不良贷款特征及成因分析——基于对山东省476户不良贷款调查
|
摘要
农户是乡村振兴战略实施的重要主体,农户贷款问题一直备受关注,而农户不良贷款严重影响金融机构的贷款供给。本文通过对山东省476户农户不良贷款深入调查研究,结果表明,农户不良贷款的区域特征、家庭特征、首贷年份特征、产生年份特征明显;农户不良贷款成因复杂,农户所在区域、学历、所从事行业、贷款用途、贷款首贷授信额度、贷款金额和不良贷款形成年份对不良贷款的产生影响较为显著。基于此,本文提出了农村金融机构应深入了解农户不良贷款状况,建立健全农户贷款担保机制,适当提高农户不良贷款占比的容忍度的建议。
Farmers are the main body of the implementation of the strategy of rural revitalization. Farmers' loans have been paid much attention, while non-performing loans of farmers seriously affect the loan supply of financial institutions.Through a thorough investigation and study of 476 households in Shandong Province, the results show that the regional characteristics, family characteristics, the characteristics of the first loan year and the generation year of the non-performing loans are obvious; the causes of the non-performing loans are complex, and the regions, educational background, industries,uses of loans, credit lines of the first loan, the amount of loans and the years of the formation of non-performing loans are bad for the farmers. The impact of loans is more significant. Therefore, we should deeply understand the situation of nonperforming loans of farmers, establish and improve the guarantee mechanism of non-performing loans of farmers, and properly improve the tolerance of the proportion of non-performing loans of farmers.
Farmers are the main body of the implementation of the strategy of rural revitalization. Farmers' loans have been paid much attention, while non-performing loans of farmers seriously affect the loan supply of financial institutions.Through a thorough investigation and study of 476 households in Shandong Province, the results show that the regional characteristics, family characteristics, the characteristics of the first loan year and the generation year of the non-performing loans are obvious; the causes of the non-performing loans are complex, and the regions, educational background, industries,uses of loans, credit lines of the first loan, the amount of loans and the years of the formation of non-performing loans are bad for the farmers. The impact of loans is more significant. Therefore, we should deeply understand the situation of nonperforming loans of farmers, establish and improve the guarantee mechanism of non-performing loans of farmers, and properly improve the tolerance of the proportion of non-performing loans of farmers.
引文
[1]张军.乡村价值定位与乡村振兴[J].中国农村经济, 2018(2):2-10.
[2]葛永波,曹婷婷,陈磊.农商行小微贷款风险评估及其预警——基于经济新常态背景的研究[J].农业技术经济, 2017(9):105-115.
[3]范方志.乡村振兴战略背景下农村金融差异化监管体系构建研究[J].中央财经大学学报, 2018(11):50-57.
[4] WATANABLE M. China’s Non-performing Loan Problem[M]. Institute of Developing Economics, IDE-JETRO, Japan,2000.
[5] ROBINSON M S. The Microfinance Revolution:Sustainable Finance For the Poor[M]. International Bank for Reconstruction and Development/The World Bank, Washington D. C, 2011
[6] PELLEGRINA L D. Microfinance and Investment:A Comparison with Bank and Informal lending[J]. World Development,2011, 39(6):882-897.
[7]袁怀宇.基于国外经验的中国农村金融发展路径与对策分析[J].理论探讨, 2017(3):84-88.
[8] NOREEN S. Role of Microfinance in Empowerment of Female Population of Bhawalpur District[J], Proceedings of International Conference on Economics and Finance Research,, 2011,(4):318-323.
[9]张天顶,张宇.我国金融市场系统重要性机构的评估及政策启示[J].管理评论, 2018(1):24-35.
[10] RADELET S, SACHS J D, COPPER R N, et, al. The East Asian Financial Crisis:Diagnoses, Remedies, Prospects[J].Economic Activity, 1998,(1):1-90.
[11]张云燕,王芳,罗剑朝.农户正规信贷违约影响因素实证分析——以陕西省渭南市农村信用社贷款农户问卷调查数据为例[J].经济经纬, 2013(2):33-38.
[12]王金凤,彭婵娟,徐学荣.农户不良贷款影响因素的实证分析——基于福建省宁化县农信社的数据[J].福建论坛(人文社会科学版), 2015(2):152-156.
[13]张珩,罗剑朝,王磊玲.农地经营权抵押贷款对农户收入的影响及模式差异:实证与解释[J].中国农村经济, 2018(10):79-93.
[14]丁志国,覃朝晖,苏治.农户正规金融机构信贷违约形成机理分析[J].农业经济问题, 2014(8):88-94.
[15]王修华,谭开通.农户信贷排斥形成的内在机理及其经验检验——基于中国微观调查数据[J].中国软科学, 2012(6):139-150.
[2]葛永波,曹婷婷,陈磊.农商行小微贷款风险评估及其预警——基于经济新常态背景的研究[J].农业技术经济, 2017(9):105-115.
[3]范方志.乡村振兴战略背景下农村金融差异化监管体系构建研究[J].中央财经大学学报, 2018(11):50-57.
[4] WATANABLE M. China’s Non-performing Loan Problem[M]. Institute of Developing Economics, IDE-JETRO, Japan,2000.
[5] ROBINSON M S. The Microfinance Revolution:Sustainable Finance For the Poor[M]. International Bank for Reconstruction and Development/The World Bank, Washington D. C, 2011
[6] PELLEGRINA L D. Microfinance and Investment:A Comparison with Bank and Informal lending[J]. World Development,2011, 39(6):882-897.
[7]袁怀宇.基于国外经验的中国农村金融发展路径与对策分析[J].理论探讨, 2017(3):84-88.
[8] NOREEN S. Role of Microfinance in Empowerment of Female Population of Bhawalpur District[J], Proceedings of International Conference on Economics and Finance Research,, 2011,(4):318-323.
[9]张天顶,张宇.我国金融市场系统重要性机构的评估及政策启示[J].管理评论, 2018(1):24-35.
[10] RADELET S, SACHS J D, COPPER R N, et, al. The East Asian Financial Crisis:Diagnoses, Remedies, Prospects[J].Economic Activity, 1998,(1):1-90.
[11]张云燕,王芳,罗剑朝.农户正规信贷违约影响因素实证分析——以陕西省渭南市农村信用社贷款农户问卷调查数据为例[J].经济经纬, 2013(2):33-38.
[12]王金凤,彭婵娟,徐学荣.农户不良贷款影响因素的实证分析——基于福建省宁化县农信社的数据[J].福建论坛(人文社会科学版), 2015(2):152-156.
[13]张珩,罗剑朝,王磊玲.农地经营权抵押贷款对农户收入的影响及模式差异:实证与解释[J].中国农村经济, 2018(10):79-93.
[14]丁志国,覃朝晖,苏治.农户正规金融机构信贷违约形成机理分析[J].农业经济问题, 2014(8):88-94.
[15]王修华,谭开通.农户信贷排斥形成的内在机理及其经验检验——基于中国微观调查数据[J].中国软科学, 2012(6):139-150.